Long-term care insurance
ESI has helped members with long-term care insurance for more than 15 years. In addition to prequalification, ESI helps you with policy placement and claims assistance.
Long-term care insurance is a vital part of your financial plan. Long-term care insurance protects your assets, but more importantly it gives you choices:
- Stay at home with assistance
- Professional, therapeutic services
- Custodial maintenance
- Adult day care services
- Assisted living facilities
- Nursing home facilities
Rates
Each plan is individually created, and many carriers offer special discounts to members. We help you prequalify to find the best carrier for you based on your age, health status and individual needs.
- Individual rates
- Member discounts
- Group enrollment rates (over 80 locals have had open enrollment)
- Liberal underwriting
- Member discounts
Qualification/Underwriting
- Limited underwriting during open enrollment
- Guaranteed issue long-term care benefit inside universal life policy for those that do not qualify for stand-alone long-term care policy
Education
Long-term care insurance is a key component of ESI financial and retirement planning workshops. We'll help you understand:
- What long term-care insurance is and isn’t
- What the risks are of not having this insurance
- What medical insurance, Medicare and Medicaid cover
- What the costs are
- What the federal deductions and tax credits are
- MN Partnership legislation: dollar-for-dollar asset protection
Workshops
If your local is interested in a long-term care insurance seminar, please contact ESI.
For information or rates, contact:
Jennifer Mortenson, ESI Long Term Care Consultant
651-292-4856, 800-642-4624
January 19, 2009